NPS Calculator
Estimate your NPS retirement corpus online for free from your monthly contribution, years to retirement and expected return. Runs entirely in your browser — nothing you enter is uploaded.
NPS returns depend on market performance and your chosen fund allocation — this uses your assumed flat return, not a guarantee. At least 40% of the final corpus must go into an annuity by rule; this estimate shows the total corpus only, not the resulting pension.
How to use nps calculator
- Enter your monthly contribution
How much you plan to invest in NPS each month.
- Enter years to retirement and expected return
Your investment horizon and an assumed average annual return.
- Calculate
See your estimated total corpus at retirement.
Features
Every rate and percentage is an input you can change, not a hidden constant — so the estimate matches your real numbers.
Calculates locally with no sign-up or server request.
Your salary and financial details are never uploaded.
Supported formats and limitations
Text and structured input supported by this tool.
Use cases include personal workflows, content preparation, and quick checks. Review output before relying on it for legal, financial, accessibility, or production decisions.
Frequently asked questions
Is the return guaranteed?
No — NPS returns depend on market performance of the equity/debt/government-securities mix you choose, so the actual corpus can be higher or lower than this estimate.
Can I withdraw the whole corpus at retirement?
No — current rules require at least 40% of the final corpus to be used to purchase an annuity (a regular pension); the rest can typically be withdrawn as a lump sum. This tool estimates the total corpus only.